Applicant removed from Minor Injury Guideline due to psychological injuries, but disputed treatment plans denied.
The applicant sought statutory accident benefits following two motor vehicle accidents.
The respondent insurer determined the applicant's injuries fell within the Minor Injury Guideline (MIG) and denied funding for various treatment plans.
The adjudicator found that the applicant suffered psychological injuries, including somatic symptom disorder and PTSD, which removed her from the MIG and its $3,500 funding limit.
However, the adjudicator dismissed the claims for in-home occupational therapy, acupuncture, and a social work assessment, finding them not reasonable and necessary for the applicant's accident-related injuries based on the medical evidence.
OLATOntario Licence Appeal TribunalMay 19, 2020
